I created this thread in response to the post on front page about ladies that date men who earn less than 100k. Below is the link.

https://www.nairaland.com/7292274/ladies-relationship-men-earns-100k

Of a truth, its not easy to manage such amount, but when one is already in such situation, you just have to manage and improvise.
Now like the OP of the above thread requested, here is the break down of how we make our expenses.

To start with, I was earning about 130k previously before we got married by March this year, but I changed job and the pay of the new job is 95k. STarted the new job around Feb this year, even though there was a loan I was paying off.. Need I add that my wife was working in a firm where shes paid 45K, but two months after our married, she quit the job due to pregnancy stress. Am sure ladies will understand.

This is our break down.
Monthly salary 95k
I remove 40k first from the salary and transfer it to 3 different acct.
The first acct receives 20k. This acct is not touchable except on extreme emergency. Its our main savings acct.
The second acct gets 10k and its for our rent, also non touchable. Rent is 150k per year. Before u say my rent is high compared to my salary, I like my privacy very well. and the cost of rent isnt friendly in my state.
The third acct also gets 10k. This one is for semi savings. This acct is touchable when cash at hand have been exhausted before the next month salary.

From the remaining 50k,
I send 10k to my family acct. I and my brothers do contribute 10k+ every month and its been used to run expenses WRT our parents and last born.
I gv my wife 10k for her monthly up keep. Its small. But its the sacrifice we all have to make for the good of the family.
I hold 10k myself for logistics and transport. I must confess, is not enough. But One have to strive. My wrk place isnt far. SO transport is N100 to and fro, thats approximately 3k per month. The remaining money i use it for other logistics. 4k out of this money goes for gas wch last for abt 2 weeks. And when we want to refill and there is no other money left, we fall back to the 3rd acct.
The remaining 20k is strictly for food ( On this food issue is where I "duff my hart" cos shes really managing things well and trying.
Sometimes, I really feel for her, cos this her pregnancy makes her to crave for things that is not on our food menu, but then when the money is not there, she just surpress the cravings. At times I feel bad.

The remaining 5k, for now is used to pay back a tailor who sewed multiple pregnancy gowns for my wife.

Its good to add that any small money I make like 1k or 2k on side hustle, I directly buy mudu of rice, beans or flour for swallow.

Its not easy at all. But there are families with kids leaving below that.

My wife is abt 5mnths pregnant, we plan to divert the 20k savings to buying baby things in preparation for child birth.


The truth is that the economic situation in this country is bad and so cost of leaving is very high. But then one have to survive.
But then in Nigeria now, how many percentage of the population earn above 100k. In fact how many jobs out there pays such as amount.

The only advice I have for ladies is that if you are not working and you parent family is the type need financial help from your husband after marriage, or you are the type of lady that is high class and wont settle for less or manage with your man. Plz kindly wait and take your time to look for a man that is RICH or financially capable of taken care of you and maybe your family. Please dont hide under the cover of you want to marry quick and then accept a struggling man only to start putting pressure on his head. Plz wait and marry a rich man.

Most responsible men wont really appreciate it if you are always demanding for things you knw fully well that he can not afford.


It is also good to note that no condition is permanent, things will definitely get better. A better job might come or my wife might get a job after her maternity which will increase our income.

The bottom line is, as a couple, but of you will have to work things out to improve your finances.

CC: Rozross

Its also good to add, No special outing to buy fancy things. We just dey do our thing on a low key. What ever fancy thing we crave for, whenever we have the extra cash, we buy and eat at home.




Modified
On a general note, I work in the finance industry... I have some little experience. Am pleading to people with connections, especially in banks. As I hear say plenty staff dey japa from banking industry, that means there will be spaces to fill up as experience hire that start with ABO grade. Please if any one have connection or link to connection, plz do help me out.

Bro I salute you thank God for giving understanding wife.







U can name these kind of women "asset*

Bros na man you be

tomtomastom4:
I created this thread in response to the post on front page about ladies that date men who earn less than 100k. Below is the link.

https://www.nairaland.com/7292274/ladies-relationship-men-earns-100k

Of a truth, its not easy to manage such amount, but when one is already in such situation, you just have to manage and improvise.
Now like the OP of the above thread requested, here is the break down of how we make our expenses.

To start with, I was earning about 130k previously before we got married by March this year, but I changed job and the pay of the new job is 95k. STarted the new job around Feb this year, even though there was a loan I was paying off.. Need I add that my wife was working in a firm where shes paid 45K, but two months after our married, she quit the job due to pregnancy stress. Am sure ladies will understand.

This is our break down.
Monthly salary 95k
I remove 40k first from the salary and transfer it to 3 different acct.
The first acct receives 20k. This acct is not touchable except on extreme emergency. Its our main savings acct.
The second acct gets 10k and its for our rent, also non touchable. Rent is 150k per year. Before u say my rent is high compared to my salary, I like my privacy very well. and the cost of rent isnt friendly in my state.
The third acct also gets 10k. This one is for semi savings. This acct is touchable when cash at hand have been exhausted before the next month salary.

From the remaining 50k,
I send 10k to my family acct. I and my brothers do contribute 10k+ every month and its been used to run expenses WRT our parents and last born.
I gv my wife 10k for her monthly up keep. Its small. But its the sacrifice we all have to make for the good of the family.
I hold 10k myself for logistics and transport. I must confess, is not enough. But One have to strive. My wrk place isnt far. SO transport is N100 to and fro, thats approximately 3k per month. The remaining money i use it for other logistics. 4k out of this money goes for gas wch last for abt 2 weeks. And when we want to refill and there is no other money left, we fall back to the 3rd acct.
The remaining 20k is strictly for food ( On this food issue is where I "duff my hart" cos shes really managing things well and trying.
Sometimes, I really feel for her, cos this her pregnancy makes her to crave for things that is not on our food menu, but then when the money is not there, she just surpress the cravings. At times I feel bad.

The remaining 5k, for now is used to pay back a tailor who sewed multiple pregnancy gowns for my wife.

Its good to add that any small money I make like 1k or 2k on side hustle, I directly buy mudu of rice, beans or flour for swallow.

Its not easy at all. But there are families with kids leaving below that.

My wife is abt 5mnths pregnant, we plan to divert the 20k savings to buying baby things in preparation for child birth.


The truth is that the economic situation in this country is bad and so cost of leaving is very high. But then one have to survive.
But then in Nigeria now, how many percentage of the population earn above 100k. In fact how many jobs out there pays such as amount.

The only advice I have for ladies is that if you are not working and you parent family is the type need financial help from your husband after marriage, or you are the type of lady that is high class and wont settle for less or manage with your man. Plz kindly wait and take your time to look for a man that is RICH or financially capable of taken care of you and maybe your family. Please dont hide under the cover of you want to marry quick and then accept a struggling man only to start putting pressure on his head. Plz wait and marry a rich man.

Most responsible men wont really appreciate it if you are always demanding for things you knw fully well that he can not afford.


It is also good to note that no condition is permanent, things will definitely get better. A better job might come or my wife might get a job after her maternity which will increase our income.

The bottom line is, as a couple, but of you will have to work things out to improve your finances.

It's important that both partners should be doing something that brings money home because as a married man earning that amount it can be really difficult because you have more responsibilities now. It also boils down to how you spend your money.
Just pray you get a wife who will be able to help you spend your money well. Cus even if ur a millionaire, a wasteful woman will wreck you

Thank you for this explicit and detailed explanation and may God bless you beyond your imaginations in no distant time . This is all I ever wanted to get in my post. You really trying as a man.

God help me
This is exactly how it should be
Both couple must comply
Thanks for the thread,very helpful

Valoromega:


It's important that both partners should be doing something that brings money home because as a married man earning that amount it can be really difficult because you have more responsibilities now. It also boils down to how you spend your money.
Just pray you get a wife who will be able to help you spend your money well. Cus even if ur a millionaire, a wasteful woman will wreck you

E no easy brotherly. But am happy I have an understanding wife. She always tell me not to bow to pressure from anything or any one. If na one cloth I dey wear go wrk, as long as the cloth is neat, make I no send anybody.

I believe after birth, once shes up and doing, she will get a job to do to support our finance.

Nor be online 100k for dey be like small thing wey common among Nigeria citizens?

70% of the population nor even dey earn 100k but online them go dey mention million like 1k but if you look around you in real life, 70% of the citizens wey you go see na extremely poor people..

Na Nigerians live fake life pass for this life.

tomtomastom4:


E no easy brotherly. But am happy I have an understanding wife. She always tell me not to bow to pressure from anything or any one. If na one cloth I dey wear go wrk, as long as the cloth is neat, make I no send anybody.

I believe after birth, once shes up and doing, she will get a job to do to support our finance.

It's not easy but when you have an understanding woman then it becomes easy.
All my life I prayed to God for a woman that will complement me cus me I don't know how to save money. Just imagine that I got married to a woman who's a lavish spender like me, Dat na wahala.
The truth is that when kids start to come more expenses will surely come that sometimes even that ur salary won't be enough.
I believe it's easy to maneuver when there are no kids yet.
Like me I just got married this year, no kids yet so I'm using this time to build up my finances cus when kids come that's when the journey starts

This is only possible when you did not get married to leaches and entitle bitches like Roscol or Razor abi what her name self .

He that findeth a good wife …. You know the rest

Wise man.

Hmmm...

Op u too much.

U will go very far in life.


U are also living in the right house for ur salary...

E go beta.

Valoromega:


It's not easy but when you have an understanding woman then it becomes easy.
All my life I prayed to God for a woman that will complement me cus me I don't know how to save money. Just imagine that I got married to a woman who's a lavish spender like me, Dat na wahala.
The truth is that when kids start to come more expenses will surely come that sometimes even that ur salary won't be enough.
I believe it's easy to maneuver when there are no kids yet.
Like me I just got married this year, no kids yet so I'm using this time to build up my finances cus when kids come that's when the journey starts

Yes o... When kids come, wahala dey o. But me and my wife are already planning on how to manage things when kids arrive. With the way pampers are expensive. We are planning on using napkins. There is no shame in it. Napkins were used on me. I remeber vividly washing the napkins of our last born. None of us sick cos of that, so why waste moeny in buying pampers that will drain the fund you are managing.

LikeAking:
Op u too much.

U will go very far in life.


U are also living in the right house for ur salary...

E go beta.

Thanks a lot. Though there are houses of 70-80k. But na public houses. Me I cant leave in such places at all.

God has blessed you with a virtuous woman
All I see here is understanding and better management.
May God continue to uplift you and I pray may she deliver safely.

When she has put to bed, you can consider saving up for few months to setup a business for her, so the workload won't be much on you.
More grace to your family.

Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us

Hmm men sha. All these sacrifices we made for families our reward is in heaven. These women still call men names and kids cleave to their mothers breast. They don't
even appreciate their father efforts

xxmoney15:
Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us

An early advice. You cant make a living out of forex trading. Better stop wasting you little resource and time.

lalasticlala

You dey try. I'm single and I earn 70k and yet I goa borrowing be4 27th of the month. I'm not getting married until I am earning 200k plus. And future wife must be earning 100k plus.

You dey try o.
Even I, as a bachelor, I spend nothing less than 25k every month on feeding alone.

All is well.

Na wao

Boss you try

Your wife dey try o

xxmoney15:
Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us

Hello xxmoney15, sorry for a kind of divert in the thread discussion. Please, how does this forex work; is it really worth trying?

Please, I don't mind meeting you in person, so we can talk more on it. I resides in PH, as well.

Hmmmmm


From what am seeing so far, it's best to keep marriage aside till u are fully loaded o.

Ladies these days no get shame. If you no get, dem go just dey disgrace you. The op is lucky to have an understanding wife.

The kids have not started coming and you're already living like this. Now imagine when you have to buy diapers, baby food, school fees and all that in this harsh economy.

Even me as a single, 20k no do me in a week for feeding how much more two people.

You're lucky you're residing in a state where you can still get a decent apartment for 150k. In Lagos you can't get such.

With 10k for upkeep I can imagine how your wife will be living an unsatisfied life. Though she won't complain just to answer good wife. For how long?

My take on this break down is, if a man goes ahead and marries with such income, he'll subject his family to hardship.

I'm out!

It's important both couples have another side hustle, with common 80k, they'll survive.

However, the nature of our girls these days and their affinity for material things may put a man under pressure to commit harakiri

julybaba:
You dey try o.
Even I, as a bachelor, I spend nothing less than 25k every month on feeding alone.

All is well.

I can relate bro. It hasn't been easy;with siblings wahala ontop.

tomtomastom4:


An early advice. You cant make a living out of forex trading. Better stop wasting you little resource and time.

I've been learning since 2020. Why will u say?

There are people who have succeeded stop discouraging others

You can say it's a long term venture instead of ur negative comment

Blessedmercy8:
The kids have not started coming and you're already living like this. Now imagine when you have to buy diapers, baby food, school fees and all that in this harsh economy.

Even me as a single, 20k no do me in a week for feeding how much more two people.

You're lucky you're residing in a state where you can still get a decent apartment for 150k. In Lagos you can't get such.

With 10k for upkeep I can imagine how your wife will be living an unsatisfied life. Though she won't complain just to answer a good wife. For how long?

My take from this break down is, if a man goes ahead and marries with such income, hell subject his family to hardship.

I'm out!

Took the words out of my mouth

Only painful thing is the Man is trying. All he wants is to make his family comfortable with his capacity

Eventually some so-called wife will eventually get tired and frustrate you

It’s easy to type these things on the internet but we will never know the other things that happen in that home. Living under $300 monthly. Chaii. God. Nigeria.

Goodluck OP. Please continue to hustle for more money. I pray God blesses you with something big soon.

You are lucky to be paying rent of 150,000 wherever you are too. That’s fantastic. Shelter is always a major bill.

Good luck